Been noted here on HN: the average web form excludes lots of people. Lots of folks cant fill in: First/middle/last name; unique username/password; social security number; street address; bank account.

And not just folks in Micronesia or whatever. Heck my business partner hasn't got a deliverable street address - no mailbox at his house. He has a PO box. Is a nightmare getting Amazon deliveries that aren't lost, or left in the bushes, or returned undeliverable.

Anyway, yes, there is no average person.